Call reports 2017
FOCUS BANK — 2017
What FOCUS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 761,580,000 | 740,198,000 | 754,515,000 | 763,523,000 |
| Total loans | 624,932,000 | 642,874,000 | 659,353,000 | 653,041,000 |
| Allowance for loan losses | 8,884,000 | 8,472,000 | 8,405,000 | 8,156,000 |
| Securities available for sale | 38,916,000 | 40,390,000 | 40,497,000 | 44,175,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 579,317,000 | 557,380,000 | 558,843,000 | 573,132,000 |
| Interest-bearing deposits | 483,475,000 | 470,656,000 | 469,276,000 | 475,659,000 |
| Noninterest-bearing deposits | 95,842,000 | 86,724,000 | 89,567,000 | 97,473,000 |
| Equity capital | 75,738,000 | 76,588,000 | 77,313,000 | 79,991,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,294,000 | 14,826,000 | 22,646,000 | 31,666,000 |
| Interest expense | 1,583,000 | 3,176,000 | 4,834,000 | 6,652,000 |
| Net interest income | 5,711,000 | 11,650,000 | 17,812,000 | 25,014,000 |
| Noninterest income | 1,079,000 | 2,336,000 | 3,565,000 | 4,396,000 |
| Noninterest expense | 4,542,000 | 9,229,000 | 14,013,000 | 18,869,000 |
| Provision for loan losses | 117,000 | 151,000 | 200,000 | 441,000 |
| Pretax income | 2,132,000 | 4,607,000 | 7,165,000 | 10,101,000 |
| Income tax | -11,000 | -11,000 | -11,000 | -22,000 |
| Net income | 2,143,000 | 4,618,000 | 7,176,000 | 10,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,179,000 | 76,554,000 | 77,412,000 | 80,359,000 |
| Total capital | 83,729,000 | 84,284,000 | 85,333,000 | 88,318,000 |
| Risk-weighted assets | 602,696,000 | 617,656,000 | 633,182,000 | 636,542,000 |